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Frequently Asked Questions

Frequently Asked Questions

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If you have any questions regarding Creditsafe's product offering, please search the Frequently Asked Questions below.


Business Credit Reports

Why should I use a Business Credit Report?

Using a Company Credit Report helps protect your business from the threat of bad debt. You can use credit reports to help you make informed business decisions in relation to who you should be doing business with, reducing your exposure to risk and protecting your cash flow.

How do you indicate if a company is creditworthy?

We highlight creditworthiness through our "traffic light" system of credit scoring – red advises you to be cautious and request a cash payment; yellow suggests that you negotiate short payment terms; and green gives you a positive credit decision. Our credit rating provides a score of 1-100, plus a credit limit for that company is given alongside the rating so you know what they can and can’t afford.

Can I see a sample report before I buy one?

Yes. You can request a free sample report here, which will show the high quality of the data and depth of information we can provide.

Can my company’s rating or limit be changed if we provide additional information?

Yes. If you provide contact information for companies that invoice you, we will contact them to see if they will possibly report their trade file to us so that your report will be more accurate. For disputes such as a tax lien or judgment, if you have a receipt of payment, you can send it to us and we will update your report. Please contact uspainfo@creditsafe.com for more information.

Why are there no Officers or Shareholders listed?

The only public data source for Shareholders is the SEC (Securities and Exchange Commission) and only a few thousand companies are regulated there. All other information is gathered from marketing sources and research. Additionaly, only some states share director/officer information with business registrations. Again, the rest of the companies require marketing source and research to gather the information. Not all businesses can be contacted easily to do this.

You have a different company address to the one we have, why is this?

The address listed on the Company Credit Report is the registered address for the business and you may have the address of their accountant for example. For all the official information you can check the company information tab for the trading address to ensure that your records match.


Consumer Credit Reports

Do you offer Consumer Credit Reports?

Unfortunately, this is not a service we offer at this time.


Sales and Marketing Data

Can I buy data on companies I want to target for marketing campaigns?

Yes. Our prospective customer (or prospect) data can be used from either a telemarketing or direct marketing perspective and can be tailored to give the information you need for campaign success.

Can I use a prospect data list more than once?

Yes. As long as you are compliant with Creditsafe USA’s terms and conditions, you are able to use the data for the length of your contract.

What criteria can I use to search for prospects?

Our prospect search function allows you to search via a number of criteria that ensures you only target those companies who are potential customers and can help grow your business. The criteria include:

  • SIC code
  • Geography
  • No. Of Employees
  • Turnover
  • Pre-tax profit
  • Net worth
  • Credit score
  • Years trading
  • Credit limit

I have access to 3,000 prospects, but my prospect search comes back as 8,000. How can I see them all?

There are two options in this situation, you can either redefine your search by inputting additional criteria to bring the search results down to 3,000 or you can contact your Account Manager to discuss purchasing extra prospects.

 

Can I buy consumer prospect data?

Unfortunately, this is a service we do not offer at this time.

How does your data de-dupe work?

Depending on your requirements, we can de-dupe your database against your existing database and/or against the Creditsafe database.

What is a Data Health Check?

Our free Data Health Check helps you to evaluate your data quickly and efficiently. Whatever the size of your data file, whether that’s 500 or 100,000 business records, we can run a check and provide you with a report detailing the quality of your data. The key areas assessed are the record quality, authenticity of the data and the profile of your customers e.g. industry sector, employees and location.

Why should I clean my data?

A data clean ensures that you don’t face the following issues when contacting prospects through mis-targeted campaigns or incorrect information in sales pitches:

  • Incorrect contact details
  • Incorrect address details
  • Duplicated records
  • Incomplete records
  • Inaccurate records

What does your Data Enhance service do?

Once we have cleaned your data and highlighted what is good and bad, we can then enhance it for you by adding numerous fields including: turnover, employee number, credit rating, SIC code and web address. We can tailor Enhance to your business needs, you can ask your Account Manager for further details on this.


International Credit Reports

How do I view an International Credit Report?

You can access information on over 90 million companies across 129 countries. Depending on the package you signed up with, your access to international reports may be limited. If you would like to add this to your account, then contact your Account Manager on (855)551-6903 to discuss the options further.

How much do your International Credit Reports cost?

The cost of International reports will vary depending on the country, but this will be detailed in your Welcome Pack or you could ask your Account Manager for details.

What is the difference between an online and offline report?

When a report is offline, it is because we have to order the company information from that country’s provider of data. Our online International Reports indicate information that we can get from our own database.


Other Products

What is Risk Tracker?

The Creditsafe Risk Tracker is a monitoring service that allows you to monitor changes to companies that you are dealing with. You choose the companies and the changes you wish to monitor and we will send an email notification straight to your inbox when these changes occur.

Why should I use Risk Tracker?

Being aware of any changes that may occur amongst the companies you work with is important when it comes to making business decisions. Risk Tracker saves you time by removing the need to manually check these companies, as well as ensure that the information you are basing your decisions on is up to date.

Can I control which changes I monitor?

Yes. You have complete control over what changes you get alerted to and on which companies. You also have control on the email addresses receiving Risk Tracker updates.

Can I turn off the Automatic Risk Tracker?

Yes you can. In order to do so simply follow these steps:

  • Log into your Creditsafe account
  • Select Risk Tracker from menu (left hand side of screen)
  • Select "My portfolio" from tab list (above)
  • You will note a list of your portfolio’s, and the corresponding e-mail address for notifications
  • Scroll towards the bottom of the page and you should notice a box with two radio buttons
  • Select the one which states “I will add companies to risk tracker myself”
  • Hit "Save"

Debt Collection

Do you offer a debt collection service?

Yes! Creditsafe has partnered with iQor Commercial Services formerly Receivable Management Services (RMS). iQor is a recognized leader in OTC Business Process Outsourcing including first party receivables management, invoicing, cash application, and credit card chargeback processing, as well as receivable recovery through third party and attorney collections, and bankruptcy services.

How does Debt Collection work?

Simply search for the company that owes you money in the Creditsafe system, enter the invoice details and iQor will use their over 150 years of experience to try and collect your invoice for you.


About Creditsafe

Is Creditsafe a prime provider of data?

Yes. The information provided in our Company Credit Reports is sourced directly from a number of sources including the Secretary of State, our customers, and trade data providers. We employ a number of analysts to both digitise and evaluate the data to ensure it is up to the highest standard.

What is the Creditsafe Group?

Creditsafe is made up of a group of privately owned companies which supply up-to-the-minute credit information. Since its launch in Norway in October 1997, over 60,000 organizations across Europe have benefitted from the innovative suite of online business information products, as well as its sales and marketing service. The Group now has a presence in the USA, UK, Sweden, France, Belgium, Germany, Ireland, Italy and the Netherlands. The Group runs a Shared Services Centre from its office in Cardiff, which has been expanded to bring development resources in-house replacing previously off-shore solutions.

Why should I trust your data?

The information provided within Creditsafe Company Credit Reports is sourced directly from Companies House etc. We have updated our Credit Score which is now the most up to date and predictive in the industry, predicting on average 70% of company insolvencies 12 months prior. For more information on our data click here.

What are the Creditsafe packages?

There are three main packages – Standard, Plus, and Premier – each containing different levels of products. These packages are designed to ensure that companies of all sizes and budget are able to use the products that Creditsafe provide and therefore, help protect their business against the threat of bad debt.

Which package should I choose?

The package you choose will depend on the nature of your business, the number of products you require and your budget. You can view an overview of the packages here or for more details call us on (855)551-6903.

Do Creditsafe have any hidden charges?

No. We don’t add surplus charges to your contract fee in relation to usage (whether over or under) or training of your staff to use the Creditsafe system. The fee agreed at the beginning of your contract is the final sum, unless you discuss additions to your contract. We provide free training and webinar sessions for all of our customers.

Will my contract be auto-renewed at the end of the year?

No. It is not our policy to auto renew your contract as it nears its end. Your Account Manager will call you ahead of the renewal period to discuss your package and if you wish to continue or cancel.

How often do you update your data

As a primary source of business information, the data contained within Creditsafe Company Credit Report is updated every 24 hours


Integration / XML

I am interested in integrating your data, who do I contact?

Please send an email with "Integration Enquiry" and your company name and contact details to uspainfo@creditsafe.com and one of our Integration Specialists will contact you shortly.

What is your XML package?

Our bespoke XML or white label packages are developed by our specialist Integration team who would be more than happy to discuss your requirements. Call (855)551-6903 or email uspainfo@creditsafe.com for more information.

I’m interested in reselling Creditsafe data, what are the next steps?

We’re always excited to work with new resellers and we can certainly discuss and build mutually beneficial data packages. Call (855)551-6903 or email uspainfo@creditsafe.com for more information.


Payment Information

Can anyone provide payment information?

Yes. We are working with companies of all sizes to integrate their payment information as this will be increasingly important to making business decisions, especially relating to trade credit, in the long term.

Does your payment information cover Europe?

Yes. We can provide payment data for Europe, as well as the USA.

How is payment data going to benefit my company?

It’s about seeing the likelihood of a company staying solvent, as well as how promptly they pay creditors. This data is an invaluable tool for cash flow projections and to identify habitual late payers; reducing the risk of bad debt. The majority of companies that enter into administration will show some form of sub-standard payment behaviour, either late payments or no payment at all. Therefore, payment data can prove crucial when contemplating business transactions with a company.

How do you stop false payment data being added?

We only allow a company the opportunity to add their payment experiences once, which means that you don’t risk negative or false payment information being added by one business to intentionally affect the data. Additionally, we allow companies to open a dispute should the information being reported look incorrect. We will then perform a thorough investigation so you can be assured that we always do our best to rectify any possible mistakes in our reports. 


Technical

How do I get a reminder of my username and password?

It’s easy. Simply send an email to uspainfo@creditsafe.com, place "Forgotten Log In Details" into the subject line and then detail your company name, as well as your account number if possible and we will send your log in details to the registered email address we have on file.

How do I add a product to my account?

Log into your account and click on the product / service that you are interested in. It will display a message stating that the product is not included in your contract. Once on this page, mark the products you are interested in and complete the relevant details. Your Account Manager will contact you with the information required and discuss the next steps.

How do I contact you?

You can either contact us on (855)551-6903 or email uspainfo@creditsafe.com and a Customer Service Representative will call you back.

I am interested in your services, who do I contact?

Great! Please call us on (855)551-6903

How do I print and/or save a company report?

At the top of each Company Credit Report there are a number of options that you can choose – you can select both print and save from here. Click your choice and follow the on screen instructions.

Why can’t I print or save?

If you’re having a problem printing or saving a report, this is usually caused by a pop-up blocker. To overcome this, click on tools within your browser window, then select pop-up blocker and click on settings. You can then add www.creditsafe.com to your safe list and this will allow our pop-ups to print or save. If you’re still struggling, contact our Customer Service desk on (855)551-6903, and they will be able to talk you through the steps.


For more information simply complete the form on the right

International

See the whole picture, reveal hidden linkages and get global information from our unique cross-referenced databases.

International Business Credit Reports from Creditsafe

Creditsafe 3D

Integrated solution for the high volume user. Improve your portfolio management through business risk assessment.

Business Risk Assessment with Creditsafe 3D

Trade Payment

Share your data to improve payments and reveal poor payers.

Creditsafe USA Trade Payment Data Program

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